Finanz2Go Fees: Transparent, Fair, and Built for Expats in Germany
Smart Investing Starts with Transparency
At Finanz2Go, we believe that successful investing begins with clear, predictable costs.
As an independent financial advisor for expats in Germany, we keep things simple:
✅ One fair all-in-one fee of 0.7% p.a.,
✅ No hidden costs,
✅ No performance or exit fees.
Use this free pension gap calculator to estimate your Rentenlücke (retirement income gap) in Germany. Get a clear monthly gap estimate, an illustrative savings target, and two charts (including an OECD-based example). If you want a personal plan, you can book an appointment with Finanz2Go.
Start building your wealth with our ETF Saving Plan Calculator for Germany — a simple, transparent tool to estimate your long-term investment growth. Discover how regular ETF contributions can help you achieve your financial goals efficiently and cost-effectively over time.
Plan your financial future with our Investment Goal Calculator, designed to help you determine how much to invest each month to reach your personal objectives. Whether you’re saving for retirement, education, or long-term wealth, this tool gives you a clear roadmap to achieve your investment goals efficiently.
Understand your investment profile with our Portfolio Risk Calculator, built to help you find the right balance between risk and return. Discover how your risk tolerance aligns with different investment strategies and make confident, data-driven decisions for your portfolio.
Finanz2Go Tools: Your Smart Financial Calculators for Expats in Germany
Make Smarter Financial Decisions with the Right Tools
At Finanz2Go, our mission is to help expats in Germany achieve financial independence with transparency, simplicity, and confidence.
That’s why we’ve created a set of free online financial tools—designed to give you clear, data-driven insights into your personal finances, investments, and long-term goals.
From calculating your pension gap to estimating ETF savings growth and understanding your portfolio risk, each tool provides instant, actionable results.
Whether you’re new to investing or optimizing your wealth strategy, these calculators help you take control of your financial future in Germany.
Why Use Finanz2Go’s Financial Tools?
Many people living and working in Germany struggle with understanding how local financial systems affect their wealth-building potential.
Our calculators were built to simplify that process—using clear assumptions, realistic projections, and expat-relevant parameters.
What Makes Our Tools Unique
- Designed for Expats – Tailored for the financial realities of international professionals in Germany.
- Transparent Calculations – No hidden complexity or misleading projections.
- Educational and Practical – Learn as you calculate; every tool includes explanations and next steps.
- Aligned with Real Advisory Practice – Each tool mirrors the data we use in real financial planning consultations.
- Completely Free – No signup, no hidden cost, just pure financial insight.
By combining these tools with our personalized advisory services, you can go from understanding your finances to implementing a tailored investment strategy that fits your goals and tax situation.
Pension Gap Calculator Germany
Discover Your Personal Rentenlücke (Pension Gap)
Germany’s pension system can be complex, especially for expats. Our Pension Gap Calculator helps you estimate how much you may need to save privately to maintain your desired lifestyle in retirement.
Enter your expected retirement age, monthly income, and pension contributions, and the calculator will estimate your projected state pension income and highlight the monthly gap you’ll need to fill with personal savings or investments.
Key Insights You’ll Gain:
- Your projected public pension (based on current assumptions).
- The estimated shortfall (Rentenlücke).
- How much you need to save or invest monthly to close that gap.
Why This Matters
Most expats in Germany contribute to the statutory pension system for only a few years, meaning their future benefits may be significantly lower than those of long-term residents.
Without a clear understanding of your Rentenlücke, it’s difficult to plan effectively for retirement.
Our calculator helps you quantify that gap and visualize the difference additional savings can make over time. It’s the first step toward securing your financial independence later in life.
ETF Saving Plan Calculator Germany
Visualize How Your Wealth Can Grow with ETFs
ETFs (Exchange-Traded Funds) are one of the most efficient and transparent ways to invest for long-term goals.
Our ETF Saving Plan Calculator lets you project how regular monthly investments can grow over time—helping you see the power of compounding in action.
Simply input:
- Monthly investment amount
- Expected annual return
- Investment period in years
And the calculator instantly shows your final portfolio value, total contributions, and total growth.
Realistic, Transparent Results
Unlike overly optimistic projections, our calculator uses reasonable assumptions and focuses on net returns—helping you make informed decisions.
It’s not about guessing future market movements; it’s about understanding how consistent, disciplined investing can help you build wealth efficiently.
Why ETFs Work for Expats
ETFs provide global diversification, low fees, and tax efficiency—making them ideal for international professionals living in Germany.
Combined with our 0.7% all-in-one advisory fee, Finanz2Go’s ETF strategies are built to optimize returns while keeping costs minimal.
Use the ETF Saving Plan Calculator to estimate your future wealth—and then let us help you design a personal plan to get there faster.
Investment Goal Calculator
Define Your Financial Destination
Every successful investment strategy starts with a clear goal.
Our Investment Goal Calculator helps you determine how much to invest monthly to reach a specific financial objective—whether it’s retirement, education, or buying a home.
How it works:
- Enter your target amount (e.g., €100,000).
- Set your time horizon (e.g., 15 years).
- Choose an estimated return rate (e.g., 5–6%).
The calculator will instantly show you how much you should invest each month to reach that target.
Strategic Financial Planning Made Simple
This tool empowers you to reverse-engineer your goals.
Instead of saving “whatever’s left” each month, you’ll know the exact amount you need to stay on track.
Whether your goal is short-term (3–5 years) or long-term (20+ years), you can adapt your investment strategy to your life stage, income, and risk profile.
Align Your Goals with Expert Guidance
While the calculator gives you a data-based estimate, our advisors can take it further—optimizing your investment structure, risk level, and tax situation.
That’s how we turn generic goals into personalized, achievable investment plans.
Portfolio Risk Calculator
Find the Right Balance Between Risk and Return
Every investor has a unique risk tolerance—the level of volatility they can handle without losing confidence or making emotional decisions.
Our Portfolio Risk Calculator helps you understand your investment personality by analyzing your responses to key financial questions.
You’ll discover:
- Whether your approach is conservative, balanced, or growth-oriented.
- How risk tolerance influences expected returns.
- What type of ETF portfolio aligns with your comfort level.
Why Risk Awareness Matters
Risk is not inherently bad—it’s the engine that drives returns.
However, understanding your risk profile allows you to design a portfolio that grows steadily while keeping you emotionally and financially secure during market fluctuations.
At Finanz2Go, we integrate this assessment into every financial plan, ensuring that your investments match not only your goals but also your psychological comfort zone.
How Our Tools Work Together
Each calculator provides a piece of your overall financial puzzle. Together, they create a complete picture of your financial future:
| Tool | Purpose | What You’ll Learn |
|---|---|---|
| Pension Gap Calculator | Identify your retirement income shortfall | How much you need to save to maintain your lifestyle |
| ETF Saving Plan Calculator | Estimate long-term portfolio growth | How regular contributions grow with compound interest |
| Investment Goal Calculator | Plan toward specific milestones | How much to invest each month to reach your targets |
| Portfolio Risk Calculator | Understand your risk tolerance | The investment mix that fits your comfort and goals |
When used together, these tools provide powerful clarity.
You’ll see where you stand today, what you’re aiming for, and how to get there efficiently.
Designed for Expats in Germany
Financial Clarity in a Complex Environment
Living in Germany as an expat comes with unique financial challenges—understanding the pension system, navigating taxes, and adapting to local regulations.
Our tools are specifically designed with these challenges in mind, helping international professionals make confident, informed financial decisions.
Common Expat Questions Our Tools Help Answer:
- How much pension will I receive after only a few years in Germany?
- What’s the best way to invest through ETFs with minimal tax friction?
- How can I structure my savings to stay flexible if I move countries?
- How much risk should I take to meet my goals?
The answers to these questions are rarely one-size-fits-all. That’s why our tools are the perfect entry point for personal financial planning with expert support.
Transparency and Trust: The Finanz2Go Philosophy
At Finanz2Go, we believe that transparency builds trust.
Our digital tools reflect the same philosophy that drives our advisory services: clarity, education, and independence.
Unlike traditional banks or insurance advisors, we:
- Operate on a flat 0.7% annual fee—no commissions or hidden costs.
- Recommend only independent, low-cost ETFs.
- Focus on long-term, tax-optimized investment strategies.
- Offer bilingual advice (English and German) for expats.
The calculators you find on this page are not marketing gimmicks—they’re the same frameworks we use in real client consultations.
They help you understand the “why” behind every recommendation, so you stay confident in your financial journey.
How to Get the Most Out of These Tools
- Start with the Pension Gap Calculator to identify your retirement savings need.
- Use the ETF Saving Plan Calculator to estimate how consistent monthly investing can close that gap.
- Refine your goal using the Investment Goal Calculator to plan specific targets.
- Check your risk profile with the Portfolio Risk Calculator to balance comfort and growth.
- Book a free consultation to translate your insights into a personalized investment plan.
Our advisors will help you combine the results into a cohesive wealth strategy that fits your life in Germany.